Thank you

Commercial Truck Insurance Coverages We Offer:

Bobtail Truck Insurance

Coverage for bodily injury and property damage that is caused by the operator of the equipment when the owner/operator is outside the scope of his lease agreement with the motor carrier.

Temporary Bobtail Truck Insurance

If you have purchased a new truck and you only need to drive it to the terminal of your motor carrier in order to sign your lease and formally commence your business relationship, then it’s quite possible you only need a temporary non-trucking liability insurance policy, we can provide a policy to fit your needs.

Non-Trucking Liability Insurance

​Non Trucking Liability provides coverage for property damage or bodily injury to a third party, and in most cases is required by the motor carrier with whom the owner operator has signed a lease agreement.

Physical Damage Truck Insurance

Physical Damage coverage for your truck gives you 24-hour collision coverage for physical damage to your truck such as rollover, theft, vandalism, collision or fire.

Cargo Truck Insurance

All motor carriers must purchase Cargo insurance in case of a loss for the transportation of non-owned truck cargo that’s been transferred into their care, custody and control.

Commercial Auto Truck Insurance

When operating commercial equipment engaged in the business of transporting goods for others must have a commercial auto liability policy to provide coverage for bodily injury and property damage.

Contingent Liability

In the event that an owner/operator with occ/acc decides to try to collect Workmen’s Compensation benefits, a contingent liability policy can step in to defend the lease agreement.

Leased Operator Truck Insurance

If you are an independent driver leased to a motor carrier Leased Operator Insurance protects your livelihood and equipment that your carrier does not cover in your liability insurance coverage.

New Authority Truck Insurance

To obtaining your own authority your business will require at the minimum, three advisors who are very familiar with trucking: an attorney, an accountant, and an insurance agent.

Occupational Accident Truck Insurance

The primary focus of Trucking Occupational Accident coverage is to help drivers get well and back to work in a timely manner after they've suffered a work-related injury.

Get A Quote - Own Authority
Owner Operator Get a Quote

Whether you're looking for owner operator insurance, motor carrier insurance, or private carrier insurance, Insure My Rig has commercial truck insurance for trucks and trailers for all sizes including:

  • Auto Hauler Trailers
  • Box Trucks
  • Expeditors
  • Dump TrucksDry Van Haulers
  • Flatbed Trailers
  • Garbage Trucks
  • Intermodal Haulers
  • Livestock Hauler
  • Tank Trucks
  • Semi Trucks

Bobtail Truck Insurance

Independent trucking contractors, or owner-operators as they are known as in our industry, are usually required by their motor carrier to have Non-trucking Liability insurance, ie. bobtail insurance. This insurance covers the liability of the owner-operator when they are not running under dispatch; when under dispatch, the auto liability coverage of the motor carrier is in effect.

Non-trucking liability insurance is coverage for bodily injury and property damage that is caused by the operator of the vehicle when operating outside the scope of his lease agreement with the motor carrier.

Non-trucking liability insurance is:

  • $1 million limit on coverage, higher limits may be available
  • Not a replacement for primary liability
  • Only in force when the owner-operator is driving truck on personal time

To protect their company, the motor carrier requires that each leased operator purchase bobtail insurance.

InsureMyRig can provide excellent bobtail, or non-trucking liability, coverage to individuals, or as part of a group leased operator plan. For an individual quote online or for leased operator group plan information email our division manager Michael Lawrence.

Difference Of Liability Coverages For Commercial Motor Vehicles:

In the insurance marketplace, oftentimes the terms non-trucking liability and bobtail insurance are used interchangeably. However, they do not mean the same thing; both are liability coverages for commercial motor vehicles, and your motor carrier may require you as an owner/operator to have either one of these coverages. You absolutely need to verify the insurance requirements in the carrier’s lease agreement to determine your course of action.

Using your truck without the trailer attached is commonly referred to as “bobtailing” or “deadheading.” If you want to or are required to have insurance coverage for when your truck is operated without the trailer, the type of insurance you should purchase is bobtail liability coverage. This type of liability protection will cover you when the truck is driven without the trailer, regardless of whether or not you are under dispatch and covers any damage that occurs to your truck. The coverage would apply, for example, when your drive your tractor without its trailer to and from the terminal. It would also apply when you are traveling between loads without the trailer attached. Again, bobtail liability coverage is applicable whether or not you were dispatched for these hauls; true bobtail liability insurance offers broader coverage than non-trucking liability insurance and it is usually more costly.

Non-trucking liability is what is required by most, but not all, motor carriers. Non-trucking is more narrow coverage, and therefore, less expensive than bobtail. To put it in the most general of terms, Non-trucking liability is coverage for operating your commercial motor vehicle for personal, non-business use. Commonly, non-trucking liability coverage applies when an owner/operator is not under dispatch.

Again, before you purchase either of these coverages, check with your motor carrier on what they require you to have. And always deal with a professional insurance agent with extensive knowledge of the trucking industry.

Commercial Auto Liability

What Is Commercial Auto Liability Insurance?

A commercial auto liability policy will be required if you drive a commercial auto/truck and transport cargo of others. This policy will provide coverage for bodily injury and property damage to others. The auto could mean a commercial bus, tractor trailer, van or any public vehicle carrying passengers or cargo. Getting commercial auto liability coverage is necessary as it involves dealing with governmental filings

Our coverage is extensive, and our service is outstanding. We insure almost any business type, including new ventures, and our liability limits — up to $1 million CSL — can meet small and large companies' insurance needs.

Insure My Rig insures the following types of vehicles:

  • Tractor Trailers
  • Pickups
  • Cargo Vans
  • Dump Trucks
  • Tow Trucks
  • and Many More

Leased Operator Insurance

What Is Leased Operator Insurance?

As an owner operator, your insurance needs are complex. You need to protect your livelihood and your equipment; and if you are leased onto a motor carrier, your coverage need will be determined under the lease agreement.

While some employers may offer to provide these vital insurance coverages, you can often get a better deal by purchasing them yourself. Plus, you'll be able to make choices to customize your policy to your needs and know exactly how much protection you're getting.

As an independent driver leased to a carrier, the carrier probably provides the majority of your liability insurance coverage. However, you should purchase your own physical damage insurance and non-trucking liability insurance for when you drive your truck on your own time. Insure My Rig has the insurance options you need.

If you need to get a quote on leased operator insurance contact our owner-operator expert Kim Kastel, or any of our sales representatives to give them your equipment information and they will get you a quote quickly.

Occupational Accident Insurance

What Is Occupational Accident Insurance?

Trucking Occupational Accident coverage is insurance for protecting the most important assets of the trucking business: the drivers behind the wheel. The primary focus of Trucking Occupational Accident coverage is to help drivers get well and back to work in a timely manner after they've suffered a work-related injury. It provides the driver with quality medical care and saves him/her money on prescriptions; it can also pay disability benefits when needed. Typically this coverage not only includes medical and disability, but it also provides coverage for on-the-job death and dismemberment accidents.

Flexible policies exist to offer you a wide range of choices in benefit levels; additionally, these policies can be bundled with other coverages. The purpose is to help drivers save on out-of-pocket expenses, so the coverage can be customized to best suit your individual needs. Please contact so that we may help you find the best coverage for your unique situation.

Motor carriers and the independent owner-operators who contract with them face specialized financial risks Insure My Rig understands this. An accident can have a serious economic impact on an owner operator and his family — and can leave a motor carrier liable for the losses. Occupational Accident Insurance is part of an effective, affordable, reliable solution for motor carriers and truckers alike.

Occupational accident insurance from Insure My Rig is customized for motor carriers, owner-operators and contract drivers. Coverage pays benefits for accidental death or dismemberment, accident-related medical expenses and temporary or continuous total disability. Motor carriers can increase coverage to include non-job-related accidents, felonious assault, paralysis, seat belt use, air bag equipped vehicle, severe burns and passenger accidents. Occupational accident insurance is not a substitute for Workers’ Compensation coverage.

Occupational accident insurance covers eligible on-the-job accidents that owner-operators or contract drivers sustain while under dispatch. We have the expertise and flexible options that enable us to customize this insurance to cover the unique risks motor carriers and their drivers confront every day.

If you need to get a quote on occupational accident insurance contact our division manager, Michael Lawrence, or any of our sales representatives and give them your truck information and they will get you a quote.

Physical Damage Insurance

What Is Physical Damage Insurance?

Physical Damage coverage for your truck gives you 24-hour collision coverage for physical damage to your truck. For instance, your truck could be damaged from fire, hail, from an accident, or even from vandalizing. Because these risks could potentially put your truck out of commission, it is important to consider Physical Damage coverage and the options that go along with it, options that can be customized to fit your individual trucking insurance needs. For instance, with this coverage, you can have the option of having either comprehensive or specific coverage. The coverage is offered both nationwide and in Canada, so your truck is always protected. There are a variety of deductible options as well as other choices to customize your policy (some of which may be automatically included), including repair services, towing, storage, gap coverage, and Federal Excise Tax.

Physical damage insurance provides coverage for your equipment due to covered cause of loss such as rollover, theft, vandalism, collision or fire. Physical Damage coverage offers 24 hour protection for your tractor and trailer. We write this coverage nationwide. So no matter where your next trip takes you, we have you covered.

Physical Damage Coverage Includes:

  • Comprehensive (fire or explosion, theft, windstorm, hail, earthquake, flood, vandalism and more)
  • Collision (damage caused by collision with another object)
  • Deductible Options ($500, $1000, $2500)
  • Towing and Storage (limit of $5000 or 10% of equipment value, whichever is greater after a covered loss)
  • GAP coverage

This coverage is not required by law but if you finance your vehicle the lien holder will require it. It is important to insure your truck for the real value. Do not over or under value the vehicle as the insurance company will only pay market value at the time of the loss.

If you need to get a quote on physical damage insurance contact our sales staff and give them your truck information and they will get you a quote.

Take Advantage Of Additional Insurance Products We Offer

Terms About Trucking Insurance Not Everyone Understands